While acknowledging that Big Tech offers a range of digital services with a substantial footprint in payments, banking, asset management crowdfunding, and insurance of advanced and emerging market economies, and also “the promise of supporting financial inclusion and generating lasting efficiency gains”, these companies also raise important policy issues like privacy, cybersecurity, maintaining a level playing field with banks, operational risks, the challenge to anti-trust rules, and too-big-to-fail issues, the RBI said in its report.
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